State Bank Northwest
Spokane Valley, WA · Cert 2945 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · State Bcorp Northwest
State charter, non-member · FDIC · 6 branches
Q2 2026
$206.4MAssets
$166.8MLoans
$171.2MDeposits
$30.0MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: efficiency ratio trails 42% of banks under $1B in assets operating in a single state (rank 315 of 746).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.94%
Rank 49 of 746
Net Interest Margin
5.48%
Rank 12 of 746
Efficiency Ratio
61.90%
Rank 315 of 746
Equity / Assets
14.54%
Rank 114 of 746
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 58% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.94% | 0.72% | 1.06% | 1.45% | Beats 93% | 49 / 746 | | |
| Return on Equity | 13.37% | 6.74% | 10.51% | 13.63% | Beats 72% | 207 / 746 | | |
| Net Interest Margin | 5.48% | 3.17% | 3.68% | 4.16% | Beats 98% | 12 / 746 | | |
| Efficiency Ratio | 61.90% | 55.74% | 64.58% | 75.47% | Beats 58% | 315 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.05% | 0.09% | 0.42% | 1.07% | Beats 78% | 163 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 16.79% | 11.55% | 13.75% | 17.60% | Beats 71% | 216 / 746 | | |
| Total Risk-Based Capital Ratio | 17.59% | 11.71% | 14.33% | 18.43% | Beats 71% | 214 / 746 | | |
| Equity / Assets | 14.54% | 8.90% | 10.51% | 13.06% | Beats 85% | 114 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 97.43% | 61.31% | 78.27% | 90.78% | 88th pctl | 92 / 746 | | |
| Loans / Assets | 80.80% | 53.60% | 66.97% | 76.08% | 87th pctl | 96 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |